# Rating Engine for Complex P&C Pricing

Build, test, and deploy rating and underwriting rules with full version control and rate-impact analysis. Manage complex, multi-structure rates and reach accurate quotes faster.

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## Complex Rules and Rates, Made Easy

Saving your business time and money while eliminating risks, OneShield Rating is a configurable solution with a data-driven model, letting you accurately create, update, test, and deploy the rating and underwriting rules that drive your business.

### Key capabilities:

- Multi-tier rating and score-card support
- Rate updates performed individually or globally, on filings or as a bulk load
- Future-effective-date filing definition, testing, and deployment
- Out-of-sequence and prior-term rating support
- "What-if" analysis comparing premium scenarios or separate quote proposals
- Fast import of large schedules
- Support for multi-jurisdiction and multi-location policies, matched to the appropriate filings

### Risk Mitigation

Manage Underwriting Risks

Rules and rating work together, so pricing reflects your risk appetite before a policy is issued.

#### Key capabilities:

- Invoke rules at any point in the policy lifecycle to price out risks outside your tolerance
- Calculate data to drive underwriting rules and system behavior
- Run rate-impact analysis on your existing book of business against proposed rate or product changes, with testing, modeling, and product analysis
- Support multiple writing and rating companies with full version control, regardless of how many active rate books or filing adoptions you manage

### Data Integrity

Trust Every Number

Define rating data once and rely on it everywhere, from quoting through integration and reporting.

#### Key capabilities:

- Shared, common product-definition data, reused across every product line
- Pre-quote validation based on underwriting rules, multiple calculation methods, blended rates, and scenario-based quotes
- Easy integration with other systems, and full reporting across all rating data
- Extensive versioning and filing capabilities

“In OneShield Software, PURE has found a partner with a similar view of the purpose of technology: to enhance efficiencies and provide exceptional service.”

SVP and Chief Information Officer

62 Forest St.
Marlborough, MA 01752-3028 USA